Consumers with chip-enhanced cards are still likely to see a discouraging sight at the checkout: a small sign or piece of tape covering up the slot on the keypad where the card is supposed to go. While it's not news that this is the case, small businesses may still face disappointed customers when the chip capabilities don't work. To make up for this fact, managers and store owners may prefer to modernize their POS terminals with newer, state-of-the-art software.

While there are several reasons behind the persistent EMV card scanner adoption lag, the most obvious, according to Quartz, is a cost issue. The source said that smaller businesses don't have the same means or motivation to upgrade as bigger companies and chains. For these businesses, the effort it takes to stay compliant and still meet customer needs could pose a larger strain.

Despite these problems, Quartz also cited another issue with EMV use: lack of knowledge. In a way, this seems to follow previous statistics. Last August, before the EMV rollout deadline in October, Wells Fargo reported that the majority of small businesses (68 percent) were not aware of the then-impending rollout. Even among those who could accept EMV cards, 27 percent either didn't have confidence that they would or refused to respond to questioning.

It's clear that having the right credit card payment software, while important, isn't enough to ensure customer satisfaction. Knowledge is also needed, and 911 Software provides experienced support alongside high quality solutions.

With both of these, user businesses will feel more secure when they update their payment systems and will be prepared to work around other terminal concerns. Usability and security are both crucial for an optimal POS.